After 4-5 months of hard work, we are about to roll out our new offering page to all AIA Virginia Members. The page will offer members discounts on an array of consumer products: computers, electronics, travel, dining, sporting events, movies, family events, auto, education products, and many everyday items.
In addition, we will have specially designed financial products, such as a group professional liability plan, group umbrella, and many other wealth management and legal services unique to AIA Virginia members.
All of this will be just a click away, so stay tuned!
Rob Smith
To have Chartwell Capital provide you or your firm with an analysis of your needs, quotes, and coverage, simply contact Rob Smith at rsmith@chartwellcapital.net.
Rob Smith
Chartwell Capital Advisors
Robert C. Smith, PLC
The Branch House
2501 Monument Avenue
Richmond, Virginia 23220
(804) 357-5977 rsmith@chartwellcapital.net
Chartwell Capital Advisors has been working hard to provide AIA Virginia and its members a host of voluntary services and discounts. We are very close to being able to roll out an ambitious new program that provides each AIA Virginia member, employees, and family a multitude of deep discounts on an array of different products and services. Yes, this menu will include financial services and products, but will also include deep discounts in a litany of consumer products. This will allow members to not only receive instant quotes on home and car insurance and other products but also discounts on computers, cell phone plans, beauty products, deep discounts on travel, pet products, clothes, and many other goods and services.
This is BIG.
Stay tuned.
To have Chartwell Capital provide you or your firm with an analysis of your needs, quotes, and coverage, simply contact Rob Smith at rsmith@chartwellcapital.net.
Rob Smith
Chartwell Capital Advisors
Robert C. Smith, PLC
The Branch House
2501 Monument Avenue
Richmond, Virginia 23220
(804) 357-5977 rsmith@chartwellcapital.net
Chartwell Capital Advisors has been working hard to assemble a stable of Professional Liability providers for AIA Virginia members. Not all carriers are alike, some are good at one thing and not good at the other. Some can give excellent coverage and pricing to one architectural firm but is not the right fit for another.
They have succeeded in putting together a team of carriers who have agreed to give us (AIA Virginia members) preferential treatment and favorable terms on professional liability coverages (as well as other types of bundled coverages).
To have Chartwell Capital provide you or your firm with an analysis of your needs, quotes, and coverage, simply contact Rob Smith at rsmith@chartwellcapital.net. Someone in their office will follow up with a phone call and be able to give advice and take an application.
Rob Smith
Chartwell Capital Advisors
Robert C. Smith, PLC
The Branch House
2501 Monument Avenue
Richmond, Virginia 23220
(804) 357-5977 rsmith@chartwellcapital.net
Let’s face it. The key to fiscal responsibility is personal responsibility. Here are a couple of videos that may give you some ideas on how to build and manage your wealth and then pass it on to your loved ones in a responsible way. As always, we are here to help all AIA Virginia members. Please don’t hesitate to contact us.
Rob Smith
Chartwell Capital Advisors
Robert C. Smith, PLC
The Branch House
2501 Monument Avenue
Richmond, Virginia 23220
(804) 357-5977 rsmith@chartwellcapital.net
AIA Virginia is excited to launch a new quarterly webinar series in partnership with Chartwell Capital focused on providing you with the tools to improve your practice management and entrepreneurship skills. The series, Management & Entrepreneurship with Chartwell Capital, will cover a number of topics, starting with navigating health insurance in 2018.
In this segment, we will discuss recent legislation as well as proposed rules from Health and Human Services, the Department of Labor and other agencies as you strategically plan for 2018 and beyond.
Learning Objectives:
1. Gain insight into past, current and future legislation and the impact on the Health Insurance Market.
2. Better understand and identify the tax-favored health insurance options that are available.
3. Better understand and identify various compliance regulations in effect for small and large employers.
4. Be able to better plan your employee benefits strategy in 2018 and beyond to compete for talent.
The seminar will take place April 17, 2018, from 11 a.m.-12 p.m., and participants will be able to earn 1 learning unit.
AIA Virginia cares about all of its members, and through our partnership with Chartwell Capital Advisors, we can provide you the tools and resources to assist you in making the right the legal, financial and health care decisions for you and your family. For business owners, Chartwell is currently forming association-wide health and professional liability plans. Chartwell will be reaching out to you in the near future with an email and a phone call to see if they can assist you with any of your needs. It is always a valuable exercise to have us do a personal or business-oriented comprehensive review of all the legal and financial products and needs you may have. So be thinking about how Chartwell can help you, and they look forward to talking to you soon.
Rob Smith
Chartwell Capital Advisors
Robert C. Smith, PLC
The Branch House
2501 Monument Avenue
Richmond, Virginia 23220
(804) 357-5977 rsmith@chartwellcapital.net
Chartwell Capital Advisors
Providing Legal and Financial Services to Individuals and Businesses
Hello AIA Virginia members:
This year of new beginnings, we are very grateful for all the wonderful blessings that our Creator has bestowed upon us. We appreciate all of our clients who have put their trust into our abilities.
Like you, we work hard to serve others and to build wealth, such that we can take care of our families and use our resources to make a difference in the world, even after we are gone.
In this email to AIA Virginia members, we are offering all members a complimentary estate plan review as well as a complimentary life insurance appraisal.
ESTATE PLANNING REVIEW
This video gives you a good idea of how we work with clients and why having a proper estate plan is a good idea. In short, proper estate planning almost always saves you money, often LOTS of money; and you will sleep sounder knowing your affairs are in good order.
LIFE INSURANCE APPRAISAL
This video gives you a good idea of why you should have us review your life insurance policies. Today, policies can be used for retirement, long-term care, and death benefits. We often find ways to improve your condition at little extra costs.
We are here to help you with whatever needs you may have. Don’t be afraid to ask a question.
Rob Smith
Chartwell Capital Advisors
Robert C. Smith, PLC
The Branch House
2501 Monument Avenue
Richmond, Virginia 23220
(804) 357-5977 rsmith@chartwellcapital.net
Passing on More Than Just Wealth From Chartwell Capital Advisors and Robert C. Smith, PLC
Many people who inherit wealth or small businesses are at significant risk for essentially squandering the wealth. An Ohio University study shows that an astonishing 33 percent (1) of all beneficiaries lose their entire inheritance within two years of receiving it. The ways they manage to do so are as varied as the imagination, but in our experience, we have seen a common thread: mismanagement.
How beneficiaries lose their way
There are a few key ways beneficiaries struggle to make the right financial decisions with their inheritances. For example, a beneficiary might not have been brought up with a strong education on the basics of money management. Or, even if the beneficiary knows what to do to properly manage their money, it can be challenging to manage an inheritance while dealing with the loss of a loved one.
A beneficiary may invest unwisely, resulting in significant losses, or spend their wealth on an unsustainable lifestyle, rapidly exhausting an inheritance. Worse still, some heirs develop a sense of entitlement that can lead to problems like the well-publicized “affluenza teen,” Ethan Couch.
No one wants these outcomes for their family.
While a live-in-the-moment attitude can serve young people as they gain life experience, it can be very dangerous when large sums of money are added to their lifestyle. Often, they do not have the same experience and hard-won wisdom as the generation that acquired or built the wealth.
Share your wisdom with your wealth
One of the greatest gifts you can leave your children, grandchildren, and other beneficiaries is the gift of your wisdom. Sharing the stories, struggles, and journey of success that brought you to where you are, along with the money wisdom you’ve gained, is as important as leaving a financial legacy in your will or trust.
Money alone can become just as much a burden as it is a gift if it doesn’t go hand in hand with practical guidance. Let your beneficiaries know that they can help build a legacy of wealth that supports them throughout their lives and for generations to come.
3 tips to set your beneficiaries up for success
Here are a few pointers for setting up your beneficiaries for success:
Use estate planning tools like discretionary and incentive trusts. In addition to talking with your beneficiaries about financial well being, you can also use certain types of trusts that will reward their smart behavior. Discretionary and incentive trusts are two such tools that can hold payments until beneficiaries complete college or withhold payments unless beneficiaries are proven to be clean and sober. If you don’t already have a trust like this, we can work with you to tailor these types of trusts to your unique family goals.
Talk to your beneficiaries about the right way to use their inheritances. Tips about compartmentalizing money for paying off debts and saving for the future might be second nature to you but a complete mystery to your heirs. Teach them the basics of money management and share your knowledge about smart investing. When you define a purpose for the money you’re leaving, you enhance the meaning of your estate plan.
Bake your wisdom into your estate plan. Consider adding a supplement to your plan that includes your stories, struggles, and journey of success so your wisdom is passed to the next generation along with your wealth.
You don’t have to go it alone. Feel free to contact us to ensure that your will or trust is completely up-to-date and that we’ve included strategies like lifetime discretionary trusts, incentive trusts, trust protectors, substance abuse protection language, and more, so that your family’s financial legacy is as safe as possible. We can even help you navigate discussions with your beneficiaries so you can rest assured that you’re doing what’s necessary to make your wealth last.
(1)1 Ausick, Paul. “A Third of Americans Blow Through Their Inheritance.” 247wallst.Com, 8 Nov. 2015, 247wallst.com/investing/2015/11/08/a-third-of-americans-blow-through-their-inheritance/.
This newsletter is for informational purposes only and is not intended to be construed as written advice about a Federal tax matter. Readers should consult with their own professional advisors to evaluate or pursue tax, accounting, financial, or legal planning strategies.
Rob Smith
Chartwell Capital Advisors
Robert C. Smith, PLC
The Branch House
2501 Monument Avenue
Richmond, Virginia 23220
(804) 357-5977 rsmith@chartwellcapital.net
AIA Virginia has created a strategic partnership with Chartwell Capital to provide you with individual consulting services and benefits you deserve. Chartwell’s wide variety of professional services – including benefits, customized solutions, and powerful strategies – are available exclusively to AIA members to meet your needs as a business, individual, or employee.
Chartwell Capital is committed to finding ways to help AIA Virginia members improve their quality of life and rest soundly at night. Please bookmark this website http://aiavirginia.chartwellcapital.net/ for easy access. As an AIA Virginia member, this is your personal tool and communication device that allows you to have direct access to us and to have us go to work for YOU to see if we can help you. Click on the topic that is of interest to you, and simply ask us for help.
Health Care Assessment
Are you interested in knowing what your health care costs and coverages are going to be when you get older and retire? We can provide you with a detailed assessment of these costs in any city that you choose to live. What does Medicare (Parts A, B, C and D) cover and how much does it cost? What will be your out-of-pocket expense? To inquire, click here: http://aiavirginia.chartwellcapital.net/health-insurance/ We will send you a few questions to answer and within 3 days, we will provide you with a detailed Health Care Assessment.
Interested in having your existing life insurance policy appraised?
Rob Smith
Chartwell Capital Advisors
Robert C. Smith, PLC
The Branch House
2501 Monument Avenue
Richmond, Virginia 23220
(804) 357-5977 rsmith@chartwellcapital.net
AIA Virginia has created a strategic partnership with Chartwell Capital to provide you with individual consulting services and benefits you deserve. Chartwell’s wide variety of professional services – including benefits, customized solutions, and powerful strategies – are available exclusively to AIA members to meet your needs as a business, individual, or employee.
Chartwell Capital Advisors has developed a “digital tool” to help you with all sorts of financial and legal issues. In the next few weeks, we will email a link and login information for you to keep handy so that you can use this tool to ask questions and to get helpful information on a variety of issues. We are happy to answer your questions, and if needed, provide you with a vast array of products and services designed to help you save money and build wealth.
Rob Smith
Chartwell Capital Advisors
Robert C. Smith, PLC
The Branch House
2501 Monument Avenue
Richmond, Virginia 23220
(804) 357-5977 rsmith@chartwellcapital.net
This newsletter is for informational purposes only and is not intended to be construed as written advice about a Federal tax matter. Readers should consult with their own professional advisors to evaluate or pursue tax, accounting, financial, or legal planning strategies.
